Monica Gould | IR |
David Fisher | CEO |
Steve Cunningham | CFO |
David Scharf | JMP Securities |
John Rowan | Janney |
John Hecht | Jefferies |
Good afternoon, and welcome to the Enova International Third Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Monica Gould, Investor Relations for Enova. Please go ahead.